Highly efficient growth focused equity portfolio emphasizing large US companies and moderate global diversification
Report created on Mar 21, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 30.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00%
This portfolio is a pure equity, growth-tilted mix: about half in a broad US large-cap fund, 30% in a tech-heavy growth ETF, and 20% in a broad international equity ETF, plus a token cash slice. That structure means almost every dollar is working in stocks, with a deliberate tilt toward innovative, fast-growing businesses. This is powerful for long-term compounding but can be bumpy in rough markets. The built-in diversification across thousands of companies still helps smooth single-stock risk. For someone seeking long-term growth, this kind of structure can be very effective, as long as they’re comfortable riding out market swings without needing to sell at bad times.
Growth
Historically, the portfolio turned $1,000 into about $4,095 from 2016 to early 2026, beating both the US market and global market references. Its compound annual growth rate (CAGR) of 15.9% outpaced the US market’s 14.2% and global’s 11.6%. CAGR is the “average speed” of growth per year, smoothing the ups and downs. Max drawdown, the worst peak‑to‑trough drop, was about ‑31.7%, similar to the benchmarks’ low‑30% range, showing you’re not taking drastically more downside. Only 36 days made up 90% of the returns, which underlines how missing a few strong days can heavily impact outcomes and why staying invested matters.
Projection
The Monte Carlo projection uses past return and volatility patterns to simulate 1,000 possible 10‑year futures for the portfolio. Think of it as rerolling history many times with different sequences of good and bad years. The median outcome roughly multiplies money by around 6.7x, and even the 5th percentile roughly doubles it, with 993 out of 1,000 runs positive. The average simulated annual return is about 16.2%. This shows strong growth potential but is not a promise; markets rarely repeat the past exactly. The value of these simulations is giving a sense of the range of possible outcomes, not a single precise forecast.
Asset classes
- Stocks 99%
- Cash 1%
Asset allocation is almost entirely in stocks (99%) with a tiny cash position. That’s a very growth-oriented stance and lines up with a “Profile_Growth” classification. Compared with a typical balanced or retirement mix, there’s essentially no built-in shock absorber like bonds or alternatives. The upside is maximum exposure to equity returns; the downside is fully feeling equity bear markets. For someone with a long horizon and stable income, this can be reasonable. For shorter horizons or lower risk tolerance, many investors might prefer to dial in more defensive assets to dampen volatility and reduce the chance of needing to sell after a big drop.
Sectors
- Technology 35%
- Telecommunications 11%
- Consumer Discretionary 11%
- Financials 11%
- Industrials 9%
- Health Care 8%
- Consumer Staples 6%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, technology is the standout at 35%, with meaningful allocations to communication services, consumer cyclicals, financials, industrials, healthcare, and smaller slices across defensive and cyclical areas. This is more tech-tilted than a typical broad global benchmark, largely driven by the QQQ component. A strong tech presence has been a tailwind over the last decade but can make results sensitive to interest rates, innovation cycles, and regulation. The encouraging part is that there is still exposure across all major sectors, including defensive ones like utilities and consumer defensive, which can help cushion downturns when more growthy areas wobble.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio leans heavily toward North America at 81%, with the rest spread across developed Europe, Japan, other developed Asia, and a modest slice of emerging regions. This is more US‑centric than many global market-cap benchmarks, which typically have a lower US share. That US tilt has helped historically, given US outperformance, but also means results are tightly linked to the US economy, policy, and currency. The international 20% allocation does add helpful diversification and access to other growth stories. Many investors like to periodically check if their home bias matches their comfort with country-specific risk.
Market capitalization
- Mega-cap 49%
- Large-cap 34%
- Mid-cap 16%
- Small-cap 1%
The market-cap breakdown is dominated by mega and large companies: about 49% mega, 34% big, 16% mid, and only 1% small caps. Large, established firms tend to have more stable earnings, deeper liquidity, and lower company‑specific blow‑up risk than small caps, which fits well with a low-volatility tilt. The tradeoff is less exposure to the sometimes explosive, but bumpier, growth potential of smaller companies. This large-cap focus aligns closely with mainstream benchmarks, which is positive for diversification and tracking broad market behavior. It also helps keep trading costs and liquidity risk low.
True holdings
-
NV NVIDIA Corporation 6.29%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AA Apple Inc 5.53%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
MS Microsoft Corporation 4.24%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AM Amazon.com Inc 3.07%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.59%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 2.29%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.20%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AV Broadcom Inc 2.19%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 2.13%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
WM Walmart Inc. Common Stock 1.48%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 32.02%
Looking through the ETFs, the portfolio has sizable effective positions in mega-cap tech and platform companies: NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Meta, Broadcom, Tesla, and Walmart. These appear via multiple funds, so the overlap creates a hidden concentration in a handful of giants even though you only hold three ETFs. Overlap is likely higher than shown because only ETF top-10s are used. This concentration has strongly boosted historical performance but also ties results closely to how these few leaders behave. Being aware of this “under the hood” tilt helps set expectations if leadership in these names ever rotates.
Factors
Factor exposure shows strong tilts toward low volatility, momentum, and a modest value lean. Factors are like underlying “personality traits” of investments—such as cheapness (value), recent strength (momentum), or stability (low volatility)—that research links to long-term returns. A high low-volatility exposure suggests the holdings are, on average, less jumpy than the market, which can reduce drawdowns. Strong momentum means the portfolio has favored recent winners, often boosting returns in trending markets but potentially hurting when trends reverse sharply. The value tilt can help when cheaper stocks come back into favor. Combined, this mix tends to behave well in steady or improving markets with a bit of downside resilience.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 48.5% -
Invesco QQQ Trust
Weight: 30.00% 35.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.4%
Risk contribution shows how much each ETF drives the total ups and downs, which can differ from simple weights. The S&P 500 ETF is 50% of the portfolio and contributes about 48% of total risk, so it’s roughly “risk neutral” to its size. QQQ, at 30%, contributes a higher 35% of risk, indicating it’s more volatile per dollar than the others. The international fund is 20% but only about 16% of risk, so it’s relatively stabilizing. All risk comes from these three positions, which is expected. Tuning their weights is the main lever for adjusting overall volatility without changing the underlying building blocks.
Risk vs. return
This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.
Click on the colored dots to explore allocations.
On the risk–return chart, the portfolio sits on the efficient frontier, meaning that for its specific mix of holdings, the risk/return tradeoff is already very efficient. The Sharpe ratio—return per unit of volatility—is solid at 0.74. However, there’s an “optimal” point using the same three ETFs that has an even higher Sharpe of 0.86, with somewhat higher expected return and volatility. There’s also a minimum-variance mix with lower risk but also lower expected return. Because you’re already on the frontier, any changes would be about shifting your personal balance between risk and return, not fixing inefficiency.
Dividends
- Invesco QQQ Trust 0.50%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.10%
- Weighted yield (per year) 1.37%
The overall dividend yield is around 1.37%, with the international fund being the highest yielder, followed by the S&P 500 ETF, and QQQ providing a small income stream. That’s a relatively low-to-moderate income profile by design, as the holdings are tilted toward growth and reinvestment rather than high payouts. For growth-focused investors, this is fine: the main engine is capital appreciation, and dividends are a bonus that can be reinvested. For someone seeking meaningful current income, this yield might feel light, and they might look at whether adding more income-oriented assets elsewhere in their finances makes sense.
Ongoing product costs
- Invesco QQQ Trust 0.20%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Total ongoing costs are impressively low, with a blended total expense ratio around 0.08%. The S&P 500 and international ETFs are ultra-low cost, and even QQQ’s 0.20% fee is reasonable for its exposure. Fees are one of the few things investors can control, and small differences compound significantly over decades. Keeping costs at this level supports stronger long-term outcomes and aligns well with best practices in portfolio construction. With such low expenses, most of the underlying market returns flow through to you, which is a meaningful structural advantage versus higher-fee approaches.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey